NORTHERN COLORADO
Charter #65775 · GREELEY, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,120 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.67% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 49th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHERN COLORADO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.38M | 59th pct | 52th pct |
| Members | 3,120 | 11th pct | 15th pct |
| Net worth ratio | 10.90% | 29th pct | 44th pct |
| Return on average assets | 0.35% | 31th pct | 44th pct |
| Net interest margin | 2.67% | 7th pct | 5th pct |
| Cost of funds | 0.02% | 2th pct | 3th pct |
| Loan-to-share | 64.05% | 55th pct | 49th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 43th pct |
| Net charge-off ratio | 0.15% | 39th pct | 56th pct |
| Loan growth YoY | 1.91% | 78th pct | 74th pct |
| Share growth YoY | 0.20% | 19th pct | 16th pct |
| Efficiency ratio | 85.16% | 66th pct | 49th pct |
structural peer set hash: 4cafa842e839152d378b23e01cbe1434… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN COLORADO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.